article, and i think peter fisher was quoted in that article, there is a very sound point to a low-rate environment and banks effectively being unwilling to lend at these low rates. i think that is a fantastic point for the near term. more long-term, our real worry is about the exit. >> susie: real quickly, i want to ask you about the jobs report that comes out on friday because more people get jobs, it is good for the economy. >> right. >> susie: might there be a surprise that more hiring is going on? >> we do not expect any surprises, at least not any upward surprises. it is interesting, almost over any time bucket over the last year, the average job gain has been about 150,000 mer month. 150,000 -- per month. where the aggregate demand hasn't picked up, companies are not picking up the hiring. we're looking for 150,000 a month, per average. >> susie: that's kind of look warm, but thank you, tom for coming on the show. we've been talking with tom porcelli, chief mist at rbc cap >> tom: despite a strong end to the year, ford stock fell more than 4.5% today. the concern is, ford doesn't think this